COSMIN CONCEPT

Active

Private limited companyfounded 20233 yrs activeLange Eikstraat 46, 1970 Wezembeek-Oppem, BelgiumKBO/BCE: BE 0801.159.226

Summary

The computed 12-month bankruptcy probability of COSMIN CONCEPT is 1.9% (moderate). The 2025 annual accounts show equity of €28,716 and a net result of €11,113. Its solvency ranks better than 47% of 8200 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

COSMIN CONCEPTActiveChecked score 55/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001General construction of buildings NACE 41201

1 site

Size

€69,965total assets 2025

Equity: €28,716
Profit: €11,113

Turnover not published (abridged schema)

Financial health

55 Fair Checked score 2025

Bankruptcy chance 12 m: 1.9%

Structure

Accounts filed 6 d late0 of 1 deed read

Why 55- Founded in 2023- Sector Construction of residential and non-residential buildings (NACE 41)- Size: total assets €69,965+ Liquidity: current ratio 1.70, cash €16,008Show the evidence

Checked score

Score 2025

55 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 59% of its sector peers (NACE 41, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 66+6

equity 41.0% of total assets

Liquidity 48+32

short-term debt 59.0% · cash 22.9%

Profitability 77-23

return on assets 15.9%

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.6% (13,168 companies)

Last 19 months 04-2025: 5.3% 05-2025: 5.3%▲ +0.3% vs 04-2025 06-2025: 6.1%▲ +14.8% vs 05-2025 07-2025: 6.1%● 0.0% vs 06-2025 08-2025: 6.1%● 0.0% vs 07-2025 09-2025: 6.1%● 0.0% vs 08-2025 10-2025: 6.1%● 0.0% vs 09-2025 11-2025: 6.1%● 0.0% vs 10-2025 12-2025: 6.5%▲ +6.4% vs 11-2025 01-2026: 6.5%● 0.0% vs 12-2025 02-2026: 6.5%▲ +0.5% vs 01-2026 03-2026: 6.4%▼ -1.0% vs 02-2026 04-2026: 6.6%▲ +2.1% vs 03-2026 05-2026: 7.3%▲ +11.2% vs 04-2026highest value 06-2026: 1.9%▼ -73.5% vs 05-2026lowest value 07-2026: 1.9%● 0.0% vs 06-2026lowest value 08-2026: 1.9%▲ +0.9% vs 07-2026 09-2026: 1.9%● 0.0% vs 08-2026 10-2026: 1.9%▼ -0.9% vs 09-2026lowest value

Founded in 2023 raises the probability for this profile
Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Size: total assets €69,965 raises the probability for this profile
Liquidity: current ratio 1.70, cash €16,008 lowers the probability

Credit up to €1,500 at 30 days acceptable

Liquidity ample (current ratio 1.7 against 1.55 in 2024; short-term debt: 59% and cash: 22.9% of total assets), but 59% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 49%, liquidity 47%, profitability 56%, growth against the median 83%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2023

In the bankruptcy model this factor raises the probability for this profile.

KBO

Sector Construction of residential and non-residential buildings (NACE 41)

In the bankruptcy model this factor raises the probability.

KBO

Size: total assets €69,965

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 1.70, cash €16,008

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-05-2026, 6 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

6 d late

2024

on the day

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 3 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

30-09-2026 close02-10-2026 today30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage